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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Insurance Policy Structure and Provisions | 20–25% | - Endorsements and modifications - Policy components: declarations, insuring agreement, exclusions, conditions - Interpretation of policy wording |
| Topic 2: Insurance Industry Structure and Stakeholders | 15–20% | - Roles: underwriting, claims, reinsurance - Insurers, intermediaries, regulators - Legislation and regulation in Canada |
| Topic 3: Risk Management and Application | 15–20% | - Risk identification, assessment, treatment - Ethics and professional conduct - Application of principles to personal and commercial contexts |
| Topic 4: Legal Principles of Insurance | 20–25% | - Principle of indemnity - Subrogation and contribution - Contract law fundamentals - Insurable interest, utmost good faith |
| Topic 5: Introduction to Insurance | 10–15% | - Role of insurance in economy and society - Basic concepts: risk, peril, hazard - Purpose and function of insurance |
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問題 #24
What is the name of the pooling agreement where all high-risk drivers are underwritten in a common pool?
答案：B
解題說明：
The Facility Association is the Canadian automobile insurance mechanism designed to ensure that high-risk drivers, who cannot obtain insurance in the voluntary market, are still able to secure the legally required automobile insurance coverage. All auto insurers in participating provinces must be members, and losses and premiums in the pool are shared among them according to market share.
Option B, "Substandard Group," is not an official Canadian mechanism. Option C does not refer to any recognized underwriting pool for high-risk auto insurance. Option D is not an actual insurance entity.
Only the Facility Association accurately represents the mandatory pooling arrangement for high-risk drivers.
問題 #25
Stuart sells his vehicle and cancels his auto policy. The insurer refunds the full unearned portion of the premium. What type of cancellation is this?
答案：A
解題說明：
Apro rata cancellationoccurs when an insurer cancels a policy or when the insured cancelswithout penalty, and the insurer refunds thefullunexpired portion of the premium. The refund is calculated strictly based on time remaining in the policy period. No service charges, cancellation penalties, or retained percentages apply.
This is different fromshort rate cancellation, where a penalty is applied when the insured cancels voluntarily.
"Total rate," "fully fixed," and "non-adjusted rate" are not recognized forms of cancellation methods.
Thus, refunding the entire unused premium confirms the cancellation ispro rata.
問題 #26
Rashida claims she told her broker about the swimming pool when binding coverage. The adjuster disputes coverage because the insurer was not informed. What should have been done to prevent this dispute?
答案：B
解題說明：
Whenever coverage is boundorally, the broker must follow up withwritten confirmationto both:
theinsured, to confirm the accuracy of information provided, and
theinsurer, to notify them of all disclosed underwriting details.
This written documentation protects all parties by ensuring the insurer is fully aware of material facts-such as the presence of a swimming pool-and prevents disputes like this one.
Option A is unnecessary and not industry practice.
Option C refers to a notice after issuance, but the dispute occurred at binding, so this is too late.
Option D is incorrect; the insurer does not verify every detail directly with insureds-this is the broker's responsibility.
Thus, the broker should have completed written confirmation, makingBthe correct answer.
問題 #27
Which clause paysreplacement costeven if the lossexceeds the amount of insuranceon the dwelling?
答案：A,C,D
解題說明：
AGuaranteed Replacement Cost (GRC)clause is a special provision in homeowners' insurance that ensures the insurer will pay thefull cost to rebuild or repairthe dwellingeven if the loss exceeds the stated policy limit, provided all policy conditions are met (such as insuring to value and notifying the insurer of changes to the building).
This clause protects homeowners from unexpected increases in construction costs due to inflation, labour shortages, or material price spikes. The insurer guarantees complete reconstruction of the home, not merely up to policy limits.
Option A is not a recognized policy clause.
Option B (total replacement cost clause) is not the standard industry term.
Option C (pure restitution clause) does not exist in homeowners insurance terminology.
The only accurate clause that obligates the insurer to pay above policy limits is theGuaranteed Replacement Cost clause.
問題 #28
Which risk could be insured bychattel coverage?
答案：B
解題說明：
Chattelrefers tomovable personal property(as opposed to real property/land). Insurance policies that cover chattels protect items such as furniture, machinery, mobile homes, and other movable property.
Amobile homeis specifically recognized as chattel because it is transportable and not permanently affixed to land. Therefore, a mobile home qualifies for chattel insurance coverage.
Option A is atravel insurancerisk.
Option C is anevent prize indemnity risk, not related to chattel.
Option D isprofessional liability(errors & omissions), which covers negligence, not movable property.
Thus, the risk insurable under chattel coverage is amobile home, makingBthe correct choice.
問題 #29
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